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Catlover1993

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    Catlover1993 reacted to Sukie in i751- Help   
    Catlover - just breathe for a minute.
     
    First of all - let's think of what they want to see:  A) that you (physically) live together and B) that you do life together
     
    So:  what things prove that you live together?
    1.  A deed, mortgage, or lease, or, if you are living with family, an affidavit from the homeowner stating that you live with them, and will continue living with them until xxxx (time or event), and what they take care of for you (telephone, utilities, etc.)
    2.  Things with the same address like driver's licenses, letters/bills from Sam's Club, mail addressed in both names, letters from your University(s) with the same address
    3.  Medical/dental insurance cards/mail.  If you are still covered under student programs, that's fine - but surely you both get mail from them and it comes to the same address.
    4.  Car insurance, or, if you are driving someone else's vehicle, your names listed as authorized drivers.
    5.  Bank statements that are mailed to the same address (we'll get to the separate accounts in a minute)
     
    What things prove that you do life together?
    1.  Joint anything (Sam's Club, gym membership)
    2.  Pictures - ESPECIALLY showing you with family members and close friends
    3.  Concert tickets (especially if you have pictures of the two of you at the concert)
    4.  Receipt of upcoming events with both names
    5.  Is there ANYTHING monetary-wise that shows sharing?  Such as Person1 pays this every month and Person 2 pays this every month?  Even if you have separate accounts, if you can show that money is shared in some way, then do so.  Type up a paragraph with a description, and then cross-reference it to bank statements.
     
    You should show 3 years of tax returns.  You can go to the IRS online and order "tax return transcripts"  (not ACCOUNT transcripts) for 2015, 2016, and 2017 (assuming you have already filed 2017).  The tax returns should show that you filed "Married, Filing Separately" or "Married, Filing Jointly"
     
    And then, yes, you should attach a page talking about the fact that you are both students, you live with xxxxx, and they help financially.  That you have chosen to maintain separate accounts at this point, because, being students, you each need to have control over your own finances. 
     
    You can only send what you have.  And remember - if they have questions, it just means an interview - not a flat rejection!
     
    You have to tell your story with your paperwork.  And that story needs to stand alone.  If the story cannot stand alone, then you will be brought in for an interview.
     
    Be strong!  And go for it!
     
    Best of luck.
     
    Sukie in NY
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